| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK J WEST3 Filed as: FRANK WEST | 3953 HIGHLAND DRIVE HOLLADAY, UT 84124 | RELIASTAR LIFE INSURANCE COMPANY | $58K | $0 | $58K | 10.41% |
| MJ INSURANCE3 Filed as: DEANNE L SAMS AND VARIOUS AGENTS | 61921 WEST ROAD LA GRANDE, OR 97850 | AFLAC | $6K | $100 | $6K | 5.20% |
| GINA SIENIA3 | 8710 SOUTHWEST ASH MEADOWS ROAD APARTMENT 1137 WILSONVILLE, OR 97070 | AFLAC | $6K | $163 | $6K | 5.05% |
| JENNIFER L. WYLIE3 Filed as: JENNIFER L WYLIE | PO BOX 1492 HERMISTON, OR 97838 | AFLAC | $6K | $191 | $6K | 4.97% |
| MARICELA SANCHEZ3 | 509 EAST BROWNING AVENUE HERMISTON, OR 97838 | AFLAC | $1K | $0 | $1K | 1.14% |
| PAULA G. ACHESON3 Filed as: PAULA G ACHESON | 331 EAST NEWPORT AVE HERMISTON, OR 97838 | AFLAC | $1K | $0 | $1K | 0.86% |
| JAMES J SCHAMBER3 | 5700 EAST FRANKLIN ROAD NAMPA, ID 83687 | AFLAC | $900 | $38 | $938 | 0.76% |
| PHIL E DIETMEYER3 | 8275 SW COLONY CREEK COURT TIGARD, OR 97224 | AFLAC | $827 | $0 | $827 | 0.67% |
| STEVE MOBLEY4 | 1631 NORTHEAST BROADWAY #205 PORTLAND, OR 97232 | PRE-PAID LEGAL SERVICES, INC. DBA LEAGLESHIELD | $1K | $0 | $1K | 27.07% |
| KRISTYN J. MCFARLAND4 | 15892 SOUTHEAST HEIDI LANE DAMASCUS, OR 97089 | PRE-PAID LEGAL SERVICES, INC. DBA LEAGLESHIELD | $29 | $0 | $29 | 0.54% |
| DONALD M. EWERS4 | 15892 HEIDI LANE DAMASCUS, OR 97089 | PRE-PAID LEGAL SERVICES, INC. DBA LEAGLESHIELD | $10 | $0 | $10 | 0.18% |
| BRIAN K. BISSINGER3 Filed as: BRIAN K BISSINGER | PO BOX 808 HERMISTON, OR 97838 | STANDARD INSURANCE COMPANY | $349 | $0 | $349 | 14.76% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL INSURANCE, INC. | 313 | $137K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 915 | $555K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 915 | $555K |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 915 | $557K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 915 | $684K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 915 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.